Method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel

ABSTRACT

The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.

CLAIM OF PRIORITY

This invention is related to, claims priority from and expresslyincorporates by reference U.S. Provisional Appln. No. 60/766,171 filedDec. 31, 2005, entitled “Mobile Credit Card Account Installer” and U.S.Provisional Appln. No. 60/766,172 filed Dec. 31, 2005 entitled “MobileTicket”.

FIELD OF THE INVENTION

The present invention relates to a method and apparatus for completing atransaction using a wireless mobile communication channel and anothercommunication channel, particularly another communication channel thatprovides for near field radio channels (NFC), as well as othercommunication channels, such as Bluetooth or WIFI.

BACKGROUND OF THE INVENTION

Online transactions, such as for purchasing goods or receiving downloadsor tickets, which involve personal computers and the Internet are wellknown. Further, mobile wireless communication devices, such as cellphones, blackberries or other personal digital assistants are also beingused for making transactions.

For example, U.S. Patent Application No. US/2003/0172028 provides adescription of a personal payment system that utilizes a wirelessenabled device such as a cell phone. As described, this system interactsusing a Bluetooth protocol with a terminal located nearby.

In another example, U.S. Pat. No. 7,031,945 describes a system andmethod that provides an electronic ticket to a smart card or standardwireless device that is identified with a user's account.

Further, wireless mobile devices that include a near field communication(NFC) device, coupled with some type of transaction device having acode, such as a smart card that uses an RFID for identificationpurposes, allow for debit cards to securely make a simple transaction,such as purchasing a bus ticket, by simply waving the wireless mobiledevice near a reader installed on the bus, so that the bus fare isdeducted from a total amount that is available stored on the smart cardof the wireless mobile device, or by forwarding the fare to a serverthat can identify the identification code of the particular RFID andthen subsequently charge the user.

While the above exemplary references illustrate that certain simpletransactions are possible and known using mobile wireless communicationdevices, one problem associated with them is that they are not typicallyuseful in a wide range of different areas, but are tied to a specificplatform. For example, NFC devices are only usable with NFC readers,which are not common at present. Another problem is that other mobilewireless communication devices have very limited ability to be used intransactions.

The present invention attempts to overcome the above and other problems.

SUMMARY OF THE INVENTION

The present invention provides a method and apparatus for completing atransaction using a wireless mobile communication channel and anothercommunication channel, particularly another communication channel thatprovides for near field radio channels (NFC), as well as othercommunication channels, such as Bluetooth or WIFI.

In one aspect of the invention, the present invention provides a methodof completing a transaction in which a management server assists atransaction server and a point of sale terminal in forwardingtransaction information to a hand-held mobile device, with thetransaction having originated from the hand-held mobile device.

In another aspect of the invention, there is provided a hand-held mobiledevice that wirelessly communicates between a secure element and a radioelement that are associated with the hand-held mobile device.

In still another aspect of the invention there is provided a hand-heldmobile device that has a secure element that is insertable into a bodyof the hand-held mobile device, to thereby allow for wired communicationbetween the secure element and a radio element of the hand-held mobiledevice.

A method according to the invention includes the steps of sending afirst transaction request signal from a first transceiver to any one ofa plurality of conventional point-of-sale terminals using a firstcommunication channel, the transaction request signal including anidentifier stored in the secure memory and that is associated with theuser of the hand-held mobile device, thereby causing the oneconventional point-of-sale terminal to transmit the transaction requestsignal to a transaction server that is remote from the point-of-saledevice;

receiving from a management server a first transaction response signalat the second transceiver over a second communication channel that isdifferent than the first communication channel, wherein the managementserver obtains transaction data from a transaction server, associatesthe transaction data with the user, and provides at least some of thetransaction data as the first transaction response signal to the secondtransceiver; and

displaying at least some of the first transaction response signal on thevisual display associated with the hand-held mobile device.

In another embodiment is described a system for assisting a user tocomplete a transaction. The system comprises a hand-held mobile device,the hand-held mobile device having: a processor; a secure memory coupledto the processor; a first transceiver coupled to the processor andadapted to send transaction request signals and receive transactionresponse signals over a first communication channel, the transactionrequest signals and the transaction response signals associated with thetransaction; a visual display coupled to the processor; and a secondradio transceiver coupled to the processor and adapted to send outgoingvoice and data signals and receive incoming voice and data signals overa second communication channel that is different than the firstcommunication channel, the incoming and outgoing data signals includingtransaction signals associated with the transaction. Included in thesystem is also a point-of-sale terminal that receives one of thetransaction request signals and transmits the one transaction requestsignal to the transaction server; a transaction server that receives theone transaction request signal from the point-of-sale terminal, verifiesthe transaction, and forwards a transaction verification signal to themanagement server; and a management server that receives the transactionverification signal, identifies the user corresponding thereto, andprovides as one of the transaction signals a first transaction responsesignal to the second radio transceiver.

BRIEF DESCRIPTION OF THE DRAWINGS

These and other aspects and features of the present invention willbecome apparent to those of ordinary skill in the art upon review of thefollowing description of specific embodiments of the invention inconjunction with the accompanying figures, wherein:

FIG. 1 illustrates an overview block diagram of the system according tothe present invention;

FIGS. 2A, 2B1, 2B2A, 2B2B and 2C illustrate mores details regardingcertain of the components illustrated in FIG. 1;

FIGS. 3A-3D provide a flowchart of a preferred embodiment for conductinga transaction according to the present invention; and

FIG. 4 illustrates another embodiment of a mobile device according tothe present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

The present invention provides a system and method for assisting a userto complete a transaction. A preferred embodiment of the system isillustrated in FIG. 1.

One feature of the system 100 is the hand-held mobile device 110. Themobile device 100 includes a radio element 120 and a secure element 130.A display 124 is shown associated with the radio element 120, andantennas, not labeled, are shown as associated with each of the radioelement 120 and the secure element 130, although it is noted that theillustration of antenna can physically be implemented in a manner thatis different from the wireless antenna shown, such as by a stripe ispassed along a reader, or some other transmission mechanism. Althoughelements 120 and 130 are shown as distinct and separate, and display 124is shown as connected to the radio element 120, it will be understoodthat other configurations are within the scope of the invention, inparticular, a combination in which a single processor is used to executethe functions that are currently performed and described herein as beingprovided by both the radio element 120 and the secure element 130, asdescribed further herein. Further as illustrated in FIG. 1. both theradio element 120 and the secure element 130 are internal to the mobiledevice 110 as illustrated, although in certain embodiments the secureelement 130 can be external to the mobile device 110, as describedhereinafter. Also, various different functionalities can be includedwithin the radio element 120 and the secure element 130, as alsodescribed hereinafter.

As an overview, the mobile device 110 has the functionality tocommunicate with one of many different a point of sale (POS) terminals150-1 to 150-n, preferably in a contactless manner using some type ofwireless protocol, as mentioned hereinafter. It can also similarlycommunicate with one of many point of entry (POE) terminals 190-1 to190-n.

The point-of-sale terminal 150 receives one of the transaction requestsignals from the mobile device 110 and transmits the one transactionrequest signal to the transaction server 170, typically using acommunication channel 160 such as the internet. The transaction server170 that receives the one transaction request signal from thepoint-of-sale terminal 150 verifies the transaction, and forwards atransaction verification signal to the management server 180. Themanagement server 180 that receives the transaction verification signal,identifies the user corresponding thereto, and provides as one of thetransaction signals, a first transaction response signal back to themobile device 110.

In one embodiment, the first transaction response signal is communicatedback to the mobile device 110 using a communication channel that isdifferent from the communication channel used to initiate thetransaction, which can have advantages. In another embodiment, differenttransaction response signals can be communicated back to the mobiledevice 110 using communication channels from the management server 180to the radio element 120 associated with the device 110, as well as fromthe management server 180 to the secure element 130 through the POSterminal 150 or the POE terminal 190. Further detailed descriptions ofthese embodiments will be provided hereinafter.

FIG. 2A illustrates a preferred embodiment of the radio element 120associated with the mobile device 110, and illustrates the radio element120 connected to the display 124 of the mobile device 110. Asillustrated, the radio element 120 includes a radio transceiver 122 thatis adapted to send outgoing voice and data signals and receive incomingvoice and data signals over a radio communication channel. Such a radiocommunication channel is preferably a digital radio communicationchannel, such as CDMA or GSM. Such a radio communication channel has thecapacity to communicate both voice and data messages using conventionaltechniques that need not be described further herein.

The radio transceiver 122 communicates with a radio processor 123, whichprocessor has the capability to perform not only the radio communicationservices necessary to allow for phone and data communications, but canalso execute various programs that are stored in the memory 126, whichprograms can receive inputs from the user via the display 124 and/or akeypad 125 associated with the mobile device 110.

Application programs running on the radio processor 123 are commonlyBREW or J2ME applications and can encompass a broad array of applicationtypes. For example, current applications include games, enterpriseapplications, and multimedia applications. While all such applicationscan be used with the present invention, or particular significance withthe present invention are applications, as described further herein,that provide movie & event information applications that provide forticket, content, item and service purchases and payment management(wallet) applications.

The radio processor 123 also has the capability of recognizing securecommunications, and transmits data which must be stored in a secureenvironment to the secure element driver 128, for transmission to thesecure element 130, where, in this preferred embodiment, with both theradio element 120 and the secure element 130 being internal to themobile device 110, such communicating takes place using an internalwired communication channel. The radio processor 123 also has thecapability of receiving data from the secure element 130, in the samemanner using the internal wired communication channel in this preferredembodiment as described. In a preferred embodiment the secure element130 and the radio element 120 communicate using signals described in theJava Card 2.1 Platform API Specification.

In a preferred embodiment, both the radio element 120 and the secureelement 130 are both disposed internally within a body of the mobiledevice 110. In a variant implementation, illustrated in FIG. 4, themobile device 110 contain a slot 400, which allows for the insertion ofa secure element 130 into the slot 400 and thus the physical insertion,mechanical and electrical connection as needed. In this configuration,the secure element can be purchased independently of the mobile device110. The secure element 130 can also be disposed into a slot 400 thatonly provides for physical insertion and mechanical connection to thebody of the mobile device 110, and can then preferably include atransceiver that allows for the communication with the radio element 130using a wireless local communication channel.

The radio element 120 also is illustrated as optionally includinganother transceiver 129, such as a Bluetooth or WIFI transceiver, whichcan transmit and receive signals with an external device and thencommunicate signals to and from the radio processor 123. This additionalcommunication channel allows for communications between other externaldevices, such as an external Bluetooth enabled smartcard, and providesan additional communication channel that is useful for certaintransactions, as described further herein.

FIG. 2B1 illustrates a preferred embodiment of the secure element 130associated with the mobile device 110, the secure element 130 beingcommonly known as a smart card. As illustrated, the secure element 130has a secure processor 132, a secure memory 133 and a POS transceiver134 adapted to send transaction request signals and receive transactionresponse signals over a first communication channel. The secureprocessor 132 communicates via the secure element driver 128 with theradio processor 123, using, as mentioned above, signals described in theJava Card 2.1 Platform API Specification. The transaction requestsignals and the transaction response signals associated with thetransaction preferably include identification code associated with theuser, as well as information relative to the transaction, such as item,quantity, vendor, as is known. The POS transceiver 134 is preferably anNFC device of some type, which uses an NFC modem, although it can alsobe a Bluetooth, WIFI or other transceiver. In the case of theimplementation of the POS transceiver being an NFC modem, such an NFCmodem will typically have a set of registers that can be read/written bythe secure processor 132. These registers are in turn available forreading and writing over the RFID communications channel and serve as asort of shared memory between the secure processor 123 within the secureelement 130 and the RFID reader that is associated with the POS terminal150. This communication is specified, for example, in the ISO 14443A/Bstandard.

Illustrated in an alternative embodiment is the inclusion of aradio/Bluetooth/WIFI transceiver 136, which can communicate with otherdevices, such as a transceiver associated with the radio processor 120or for other external devices having those communication capabilities,thus allowing for more flexibility.

FIG. 2B2A shows a modified secure element 130, in which the radioelement 120 does not communicate with the secure element through asecure element driver 128 of some type. In this case, for example, thesecure element 130 may be external to the mobile device 110 and as suchis not connected to the radio element through the secure element driver128. In such an implementation, however, if the transceiver 136 asdescribed above is included, and a similar transceiver 129 associatedwith the radio element 130 as described previously with respect to FIG.2A is included, then this communication channel can be used towirelessly obtain direct communications between the radio element 120and the secure element 130.

This implementation allows for certain bidirectional communications withother devices, as well as with the radio element 120, and as such morefunctionality and flexibility is achieved. This implementation isparticularly useful since it establishes a direct local communicationpath with the radio element 120, since there is not communications withthe radio element 120 via the path of driver 128.

If either of the transceivers 129 or 136 are not associated with therespective radio element 120 or secure element 130, and there is nodirect connection between the radio element 120 an the secure element130, then a direct communication link between the radio element 120 anthe secure element 130 will not exist. As such, while ticketing and manytransactions can still exist, data from a real-time transactionperformed using the secure element 130 cannot be made directly availableto the radio processor and the applications stored thereon, which canprevent, for example, certain redundancy checks to occur, such as aticketing application in which, after the ticket order has been placed,the ticketing application in the memory 126 associated with the radioelement 130 can be programmed to provide an alert if the ticket receipt,via the management server 180, has not been received within a certainperiod of time. Such an alert would not be possible to program directly(although it could be programmed indirectly via the button panel on thephone, though such an implementation requires extra user intervention,which, if possible, one attempts to avoid in transactions such as this.

FIG. 2B2B shows a modified secure element 130″, in which the secureelement does not include a processor that is capable of bidirectionalcommunications, but instead is a passive device 138′, such as an RFIDsticker or some other tag, that allows for a user identification, suchthat a transaction that is initiated with the passive device 138′ willcause the management server 180 to perform the transaction details. Inthis implementation, the code received from the POS terminal 150 or thePOE terminal 190 is transmitted from the POS terminal 150 or the POEterminal 190 to the management server 190, which then takes over thetransaction. This passive device 138′, with the identification codestored thereon, can thus be associated with a mobile device 110 nototherwise equipped for such communications, and the management server190 can provide transactional information to the mobile device 110 usingavailable channels on the mobile device (such as audio, sms or otherknown data transmission methods). While bidirectional communications donot occur with other devices, transactions are possible, because themanagement server 190 is involved.

The point of sale terminal 150 illustrated in FIG. 3C is conventional,in that it has the capability of electronically reading information froma device equipped to transmit information in a format that it reads.Thus, the reader 152 within the point of sale terminal 150 can be of oneor many types. If the point of sale terminal reader 152 includes theprovision for NFC communications, then simply bringing the secureelement 130 with the NFC transceiver will cause initiation of atransaction and the transmission of the identification code associatedwith the secure element 130 and thus the user.

For the embodiments described above, various software that is downloadedinto the memory 126 of the radio element 120 and the secure memory 132of the secure element 130, along with software resident on themanagement server 180, will cooperate at a layer that is above thephysical layer of the communications, in order for the desiredtransaction to occur. This software is implemented using based uponknown knowledge of mobile device 110 internals and applicationplatforms, NFC, smartcard internals and application platforms, paymentprotocols (e.g. PayPass), and the working/workflow associated with POSand POE terminals, and the transaction and management servers. Inaddition, the present invention provides for piggybacking a tunnelingprotocol on top of the payment protocol, so that the secure elements 130can communicate with the transaction server 170 and/or the managementserver 180, without modification to the POS terminal 150 or the POEterminal 190. As such, this includes software within the secure element130 that embeds the required information in fields which will notadversely affect the performance of the POS terminal 150 and/or the POEterminal 190, and also software in transaction server 170 that willextract the piggybacked payload, associate the payload with themanagement server 180 if needed, and then authenticate, authorize, andexecute transfers of transaction information to the management server180.

In another embodiment, the piggybacked payload is sent, instead of tothe transaction server 170, to the management server 180, which can thenassociate the transaction and notify the transaction server 170, the POSterminal 150 and/or the POE terminal as needed.

Another significant aspect of the present invention is that themanagement server 180 has the capability of storing codes that are froma variety of different mobile devices. Thus, codes that are associatedwith a smart card having an RFID can be stored, as can be codes storedfrom an RFID sticker, as well as codes that are associated with a smartcard that communicates using a slide reader, Bluetooth, or an NFCchannel, for example. As such, the management server 180 can store userpersonal and credit and transactional information and history, includinga code associated with the user, for a variety of different mobiledevices, thereby allowing a system which can scale.

FIGS. 3A-3D illustrate a flowchart of the present invention, and thevarious steps that are included in a particular transaction, withreference to which of the various devices are implementing this step. Asthe flowchart is self-explanatory, a further discussion is not providedherein.

The present invention, as described previously, allows for variousdifferent programs to exist within the memory 126 of the radio element120, as well as in the secure memory 132 of the secure element 130, asmentioned above.

The present invention can also be interfaced with certain known andimplanted payment protocols, such as Paypass. For implementing theseadditional payment protocols, implementation of streaming communicationprotocols (in the full NFC case), protocols for session setup, andconfiguration of communications modules and secure data areas as neededis necessary, taking into account the communication protocol used (e.g.NFC, Bluetooth, WIFI, CDMA, 3^(rd) Generation CDMA for example) as wellas file transfer protocols and facilities access protocols. Inparticular, in implementing such protocols, it is preferable to providefor the ability to extract transaction information from the POS terminal150 to the secure element 130 during the course of the local interactionbetween the POS terminal 150 and the secure element 130. For instance,the implementation of PayPass within the invention will take note, andalert the application running on the radio processor 123 that a purchaseor purchase attempt has occurred, as noted above in the context of thealert discussion. It is also preferable to provide the ability toaugment the information passed via the PayPass protocol to the POSterminal 150 and thence to the transaction server 170 with additionalfields containing the elements of the tunneling protocol, for subsequentprocessing by the transaction server 170, either directly, or throughthe management server 180, as described above.

The two transaction workflows that have been specifically discussedabove are the credit card and ticketing workflows. Other transactionflows are also intended within the scope of the invention. Debit cardand cash card transactions are similar to credit card transactions, withvariations being implemented to account for the differences that existin those types of transactions, which types of transactions are wellunderstood. Coupons can be implemented with the invention, in much thesame manner as tickets, though coupons can be transmitted without therebeing payment.

Many of the transaction types noted herein will, as is apparent, requirecommunication between the secure element 130 and the radio element 120.As such, due to that requirement, a significant part of the precedingdiscussion has been directed to how to implement that communication,particularly for mobile devices 110 that are not manufactured to allowfor such communications.

An example of a typical transaction requiring such communication betweenthe secure element 130 and the radio element 120 is one in which the POSterminal 150 allows for the transfer of detailed purchase informationfrom the POS terminal 150 to the secure element 130, as well astransactional information from the POS terminal 150 and/or thetransaction server 170 to the management server 180. The managementserver 180 can then also communicate with the radio element 120 via theradio channel. This allows for the matching and reconciliation ofdetailed purchase information and, if the transaction fails, failuredetails can be matched to the purchase information, and forwarded inreal-time to the user via the radio element 120.

In another embodiment of the invention, there is included the provisionfor different phones to communicate the results of a transaction,particularly using the POS transceiver or one of the Bluetooth/Wifitransceivers. In this embodiment, after a transaction has been completedwith one of the mobile devices 110 a, another mobile device 110 b canreceive information regarding the transaction completed. Thus, forinstance, if mobile device 110 a purchases two tickets, one of thetickets can be transmitted to the mobile device 11 b by each using a POStransceiver or one of the Bluetooth/Wifi transceivers.

Although the present invention has been particularly described withreference to embodiments thereof, it should be readily apparent to thoseof ordinary skill in the art that various changes, modifications andsubstitutes are intended within the form and details thereof, withoutdeparting from the spirit and scope of the invention. Accordingly, itwill be appreciated that in numerous instances some features of theinvention will be employed without a corresponding use of otherfeatures. Further, those skilled in the art will understand thatvariations can be made in the number and arrangement of componentsillustrated in the above figures. It is intended that the scope of theappended claims include such changes and modifications.

1. A method for at least one user to complete a transaction using ahand-held mobile device as part of a system that also includes apoint-of-sale terminal, a transaction server, and a management server,at least one of the hand-held mobile devices having associated therewitha telephone number, a processor, a visual display coupled to theprocessor using a display connection, a secure element that has anidentification code stored therein, the secure element being adapted totransmit an identification code signal that has the identification codetherein over a first communication channel to any of a plurality ofpoint-of-sale terminals, and a radio transceiver adapted to sendoutgoing voice and data signals and receive incoming voice and datasignals over a second communication channel that is different than thefirst communication channel, wherein the radio transceiver is coupled tothe processor using a wired connection, and wherein a management serverthat receives the identification code and accesses a database indicatingcorrespondence of the identification code and the telephone number ofthe hand-held mobile device is adapted to initiate transmission over thesecond communication channel, the method comprising the steps of:initiating the transaction without using the processor, without usingthe visual display, and without using the radio transceiver, the step ofinitiating including wirelessly providing the identification code storedon the secure element to any one of the plurality of point-of-saleterminals using the first communication channel, the identification codeassociated with the user of the hand-held mobile device; receivingcertain transaction data associated with the transaction at the secondtransceiver over the second communication channel; and displaying atleast some of the certain transaction data on the visual displayassociated with the hand-held mobile device.
 2. The method according toclaim 1 further including a step of the transmitting, from the hand-heldmobile device directly to another hand-held mobile device at least aportion of data associated with the certain transaction data. 3.(canceled)
 4. (canceled)
 5. The method according to claim 6 wherein thetag of the secure element is an adhesive tag secured to an externalsurface of the body of the hand-held mobile device.
 6. The methodaccording to claim 7 wherein the secure element is disposed on an tagsecured externally to the body of the hand-held mobile device.
 7. Themethod according to claim 1 wherein the radio processor is internallydisposed within a body of the hand-held mobile device, wherein thesecure element is external to the body of the hand-held mobile device.8. The method according to claim 7 wherein the wireless communicationchannel used in the step of communicating is a near field communicationchannel.
 9. The method according to claim 7 wherein the wirelesscommunication channel used in the step of communicating is one of aBluetooth and WIFI communication channel.
 10. The method according toclaim 1 wherein the identification code signal is used in placing anorder and the certain transaction data comprises information from areceipt from a credit card transaction.
 11. The method according toclaim 1 wherein the identification code signal is used in placing anorder and the certain transaction data comprises information from areceipt from one of a debit card and cash card transaction.
 12. Themethod according to claim 1 wherein the identification code signal isused in placing an order and the certain transaction data is a ticket.13. The method according to claim 1 wherein the identification codesignal is used in placing an order and the certain transaction data is acoupon.
 14. (canceled)
 15. An apparatus that is used in a system forassisting a user to complete a transaction initiated by transmission ofan identification code over a first communication channel to apoint-of-sale terminal and completion being indicated by receipt ofcertain transaction data over a second communication channel that isdifferent from the first communication channel that is initiated by amanagement server that receives the identification code and contains adatabase indicating correspondence of the identification code and thetelephone number of the hand-held mobile device, the apparatuscomprising: a hand-held mobile device having the telephone numberassociated therewith, the hand-held mobile device having: a processor; asecure element that has the identification code stored therein thatallows for identification by the management server of the telephonenumber of the hand-held mobile device, the secure element being adaptedto transmit an identification code signal that has the identificationcode therein over the first communication channel to the point-of-saleterminal without using the processor; a radio transceiver coupled to theprocessor and adapted to send outgoing voice and data signals andreceive incoming voice and data signals over the second communicationchannel, the incoming and outgoing data signals including the certaintransaction data associated with the transaction, wherein the radiotransceiver is not used to transmit the identification code signal thathas the identification code therein over the first communicationchannel; and a visual display coupled to the processor and adapted todisplay some of the certain transaction data upon receipt thereof by theradio transceiver and the processor, wherein the visual display is notused to transmit the identification code signal that has theidentification code therein over the first communication channel. 16.(canceled)
 17. (canceled)
 18. The apparatus according to claim 19wherein secure element is disposed on an adhesive tag secured externallyto the body of the hand-held mobile device.
 19. The apparatus accordingto claim 20 wherein the secure element is disposed on a tag external tothe body of the hand-held mobile device.
 20. The apparatus according toclaim 18, wherein the processor is internally disposed within a body ofthe hand-held mobile device, and wherein the secure element is externalto the body of the hand-held mobile device and wherein the secureelement communicates using a wireless communication channel as the firstcommunication channel.
 21. The apparatus according to claim 20 whereinthe wireless communication channel is one of a Bluetooth and WIFIcommunication channel.
 22. The apparatus according to claim 20 whereinthe wireless communication channel is an NFC communication channel. 23.(canceled)
 24. (canceled)
 25. (canceled)
 26. The method according toclaim 1 wherein the step of initiating uses a NFC device as the secureelement.
 27. The method according to claim 6 wherein the step ofinitiating uses a NFC device as the secure element.
 28. The methodaccording to claim 5 wherein the step of initiating uses a NFC device asthe secure element.
 29. The apparatus according to claim 15 wherein thesecure element is a NFC device.
 30. The apparatus according to claim 19wherein the secure element is a NFC device.
 31. The apparatus accordingto claim 18 wherein the secure element is a NFC device.
 32. The methodaccording to claim 1 further including the step of receiving othertransaction data at the secure element using the first communicationchannel.
 33. The method according to claim 1 wherein the processor isimplemented as a radio processor coupled to the radio transceiver, andwherein the secure element includes a secure processor, and, after thestep of initiating, further including the step of secure processorcommunicating transaction signals to the radio processor for usage witha transaction application executed by the radio processor.
 34. Themethod according to claim 7 wherein the processor is implemented as aradio processor coupled to the radio transceiver and is internallydisposed within a body of the hand-held mobile device, wherein thesecure element includes a secure processor and is disposed within a slotthat exists on the body of the hand-held mobile device, and furtherincluding the step of secure processor, after the step of initiating,communicating transaction signals to the radio processor using a wiredcommunication channel for usage with a transaction application executedby the radio processor.
 35. The apparatus according to claim 15 whereinthe processor is implemented as a radio processor coupled to the radiotransceiver, and wherein the secure element includes a secure processor,and, wherein the secure processor communicates transaction signals tothe radio processor for usage with a transaction application executed bythe radio processor.
 36. The apparatus according to claim 19 wherein theprocessor is implemented as a radio processor coupled to the radiotransceiver and is internally disposed within a body of the hand-heldmobile device, wherein the secure element includes a secure processorand is disposed within a slot that exists on the body of the hand-heldmobile device, and wherein the secure processor communicates transactionsignals to the radio processor using a wired communication channel forusage with a transaction application executed by the radio processor.